Commercial Lending

Citizens State Bank understands that businesses are critical components in our communities. We have been providing loans to these entrepreneurs for decades and are committed to continuing this tradition. Our staff recognizes that for small businesses, a knowledgeable banker, who takes time to understand your situation and develop financial solutions precisely for you, is critical.

Real Estate

Whether you are looking for a new location, expanding your current building, or purchasing investment properties including commercial and residential rentals, CSB is ready to provide you a loan customized for your specific needs. Our loan officers understand each loan is unique and have the expertise and flexibility to form a loan in a manner that works best for you. We strive to offer rates and closing costs that best benefit you. Quick answers to your requests and hassle free closings make Citizens State Bank the place to go for commercial real estate lending. 

Photo: Large Commercial Building

Machinery and Equipment

If your business needs to replace current machinery and equipment or needs to add additional machinery or equipment such as trucks, trailers, tractors, or planes, our lenders have the experience and expertise to provide a loan customized for you. We offer flexible terms and minimal closing costs. By allowing Citizens State Bank to provide your financing, you are able to negotiate as a cash buyer with any supplier you desire. You will know, up front, that you are approved for a loan and what the true cost of that transaction will be.

Photo: Skid Steer in Gravel

Operating Loans

Here at CSB, we understand that for a business to operate efficiently and maximize profits, it needs working capital. We are proud to offer loans constructed to each unique need, providing each business with the funds needed to pay for inventory, carry receivables, or any other short term borrowing needs. Our operating loans can be structured in a manner to allow funds to be easily moved between your deposit account and your loan. One of our experienced lenders would be honored to meet with you to design a loan that meets your unique needs. 

Photo: Aerial View of Cattle Feeding